Women outlive men, but in their twilight years, they're much more likely to fall below the poverty line. In fact, according to the Women's Institute for a Secure Retirement (WISER), the largest segment of the population living in poverty is made up of elderly females. (The average Social Security benefit for women is $800 per month, compared to $1,177 for men; this is due to less time spent in the workforce overall, explains UPI.) Says Cindy Hounsell, President of WISER: "With more years out of the workforce to care for family, combined with lower wages and a greater life expectancy, it's clear that simply being a woman in our society may jeopardize your financial security." And as a second new study shows, young women — and rightfully so — are much more anxious about being able to save for retirement, pay bills, and provide for children than their male counterparts.

Reuters reports: "Three of every 10 women were worried about their economic security, compared with two of every 10 men," according to a study funded by the Rockefeller Foundation and analyzed by the Institute for Women's Policy Research. "Two-thirds of women fear they are not saving enough for retirement, but only half of men share this concern." (Not surprisingly, single mothers and women of color are most likely to be anxious about their ability to pay bills; 48 percent of African-American women have had trouble getting their bills paid, compared to 42% of Hispanic women and 26% of white women.) Perhaps those who are late acquiring Mother's Day presents should take advice from UPI and forgo the flowers in favor of putting some hard cash in mom's IRA?